Frequently Asked Questions

Everything you need to protect yourself and others.

Frequently Asked Questions

What kind of Billing options does Butler Insurance Services Offer?

We offer online billing to manage your policy and pay online, you can call us to pay with debit/credit over the phone, or mail in your payment. Some carriers offer a pay in full discount and our agents are available to help with most of your billing questions and concerns.

What is the difference between collision coverage and comprehensive coverage?

Collision is defined as losses you incur when your car collides into another car or object. Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft.

Does Butler Insurance Services offer SR22 Insurance?

Yes, we can write an SR22 Insurance policy (a certificate of insurance or a financial responsibility filing required by most state DMV offices for “high-risk” insurance policies).

What factors should I consider when purchasing homeowners insurance?

There are a number of factors you should consider when purchasing homeowners insurance. We’d be happy to discuss coverage, value, replacement limits, out of pocket requirements, endorsements, gaps and limitations for your unique circumstance for this important insurance scenario.

Where and when is my personal property covered?

Personal property (except property that is specifically excluded) is covered anywhere in the world. Your homeowners policy would provide coverage for the “named perils” while the dresser is in transit – even though the dresser has never been in your home before.

What factors can affect the cost of my car insurance in Idaho?

Your marital status, the type of car you drive, the purpose the car serves, driving record, and where the car is garaged can all affect the cost of your car insurance in Idaho.

Does your office offer insurance coverage for classic cars?

Yes, we do have a carrier that specializes in insuring classic cars to their full value.

How much life insurance should an individual own?

“Rule of thumb” suggests an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account when determining the right amount of life insurance for you and your family. We can help you determine this at your private consultation.

Why would I want to buy renters insurance?

If you live in an apartment or a rented house, renters insurance provides important coverage for you and your possessions and may be required. It protects your personal property, may pay for temporary living expenses, and can shield you from personal liability.

How do I know if I need a personal umbrella liability policy?

Personal umbrella liability policies are not just for wealthy individuals. Individuals with modest incomes and assets are often subjects of large lawsuits and having the right amount and type of coverage can be an important feature not to overlook. We can help you decide if this is for you.

Can I get a commercial liability certificate and if so, what is the turnaround time?

Yes, we can create the commercial liability certificate for you. Normal turnaround time is within 4 business hours.

Do you have options for workers compensation other than the Idaho State Insurance Fund?

Yes, we have several competitive carriers that offer easy billing & reporting.

Does Butler Insurance Services offer any type of bonds?

Yes, we have a bond expert who has several resources even for the most challenging situations.

Does Butler Insurance Services offer any face to face annual reviews?

Yes. Our agents are committed to helping you understand the coverages you have, and creating a very professional working relationship with you!

What Our Clients Say

We have our small business and personal insurance through this agency. Issues are resolved quickly and we receive professional support throughout the process of making changes. The annual review of the business policies is critical to maintaining coverage to protect us in the event of a loss event. Insurance is a necessary evil and this agency makes every effort to make it pleasant.